Goal: A globally diversified portfolio via a savings plan

Option 1:

Everything in the $VWRL (-4,62%)

Option 2:

50% $VUSA (-5,34%)

15% $EIMI (-4,57%)

15% $VEUR (-5,74%)

5% $VJPN (-3,55%)

5% $VAPX (-5,42%)

10% $WSML (-4,27%)

What do you think?

Option 1 would be the simpler approach. No rebalancing. Unscheduled purchases or sales with an ETF are easier and more fee-friendly.

Option 2 allows more control in terms of weighting, so I could reduce the US share from $VWRL (-4,62%) from 62% to 45-50%. In option 2 it would also be possible to swap the S&P 500 for Nasdaq or Amumbo depending on the market cycle to get more performance out of it without the risk of a US overweight.

After a thorough analysis of the ETF Guide from @RealMichaelScott I have settled on the second model FTSE ALL WORLD + SMALL CAPS (85% / 15%). (Many thanks for the great analysis at this point)

📉In view of the current situation and the criticism that is ultimately being leveled at ETFs with a 70% US exposure, I am now asking myself whether it really still makes sense and is in keeping with the times to invest 85% in an ETF with such a heavy US exposure. 😟

The following All Worlds are currently available (85%):

$UETW (-5,6%) - particularly low TER

$VWCE (-4,62%)

small caps (15%):

$WSML (-4,27%)

👾Through this reallocation, I would like to escape my current, far too expensive Deka funds and build up the largest investment portion in my Core Satelite strategy in the form of a WORLD ETFS.

What is your assessment? Do you have any suggestions? Thank you very much and have a great start to the weekend! 🥳

Hello everyone,

My name is Antonio, I'm almost 27 years old and I'm from Bremen. I currently work as a train manager at Deutsche Bahn. Anyone who knows the job knows that chaos is almost guaranteed here. If a train is on time, everyone wonders what's going wrong. Delays, strikes, unforeseen events - you get used to the fact that nothing goes as expected. And that's exactly how I felt on the stock market: constantly chasing hypes, always on the lookout for quick profits, and in the end I never knew whether the train was still on the right track. I experienced just as much chaos on the markets as I did in my day-to-day work - but fortunately I've learned from it and am now looking for a fresh start where everything is a bit more orderly and predictable.

I've made a lot of mistakes on the stock market in the past. And not too few - unfortunately. Like many of you, I had the idea that the stock market would make me a quick buck. I let myself be led by hypes, trends and the desire for immediate results. I wasn't interested in investing for the long term or building a solid foundation for the future, I was only ever interested in making a quick profit. Leveraged products, knock-out certificates - it was all there. It felt like a casino where the loss was usually the only "win". And so it came as it had to: I not only lost money, but also confidence in my own decisions and the markets.

But today, in 2025, I have realized that it is time for a fresh start. I have learned from my mistakes. It's been a long road and I've thought a lot about why I was so quick to go for the quick buck instead of investing patiently and focusing on long-term success. I learned the lessons I needed to become a better investor. Patience, diversification and a long-term perspective are now my principles. I want to create something tangible, not just a portfolio full of numbers, but also a solid, long-term strategy that will help me to continuously build my wealth.

My portfolio: A solid foundation

The portfolio I have now built up is a mix of different asset classes and asset classes. My aim is to diversify broadly and not miss out on potential growth opportunities, while spreading risk across different sectors and regions. Here is an overview of what my investment strategy looks like:

ETFs (€1000/month)

I have deliberately opted for a broad diversification and invested in different geographical regions and markets. This diversification should ensure that my capital benefits from the markets that have the greatest potential in the coming decades.

- IE00BMTX1Y45 ( $I500) (-5,3%)

- LU0908500753 ( $MEUD (-5,66%) )

- IE00BYXVGY31 ( $FUSA (-4,98%) )

- IE00BD1F4M44 ( $IUVF (-5,82%) )

- IE00BKM4GZ66 ( $EIMI (-4,57%) )

- LU1681041973 ( $CD9 (-5,43%) )

- LU0486851024 ( $D5BL (-6,47%) )

- IE00BYQCZN58 ( $DXJZ (-4,63%) )

- IE00BF4RFH31 ( $WSML (-4,27%) )

- IE00BG0SKF03 ( $5MVL (-4,84%) )

- IE00B652H904 ( $SEDY (-3,96%) )

- LU2089238385 ( $PRAJ (-3,5%) )

- DE000A0H0744 ( $EXXW (-5,46%) )

- IE00BFXR5W90 ( $LGAG (-6,75%) )

- LU0779800910 ( $XCHA (-3,45%) )

- HANetf Future of Defense UCITS ETF ($ASWC (-8,84%) )

So many ETFs? Does he still have all his wits about him?

Some people will think exactly that when they look at my ETF list. And yes, I admit that the portfolio is pretty broadly based - perhaps too broad for some. But that's exactly my goal. I don't want to catch the one sector or the one region that is going through the roof. I want to have everything! If a market explodes somewhere in the world, then I want to be there. Be it through large caps, small caps, growth, value, technology or emerging markets, my approach is not to miss out on potential opportunities and at the same time not to put all my eggs in one basket. Some call it overdiversification, I call it my personal "all-world approach"

The idea behind the selection of these ETFs is that I want to focus on global markets and growth regions without missing out on important sectors such as technology, healthcare and energy. The USA (with over 55% of my portfolio) remains the central component due to its economic importance and innovative strength. At the same time, I am also focusing on Europe, Asia, China and emerging markets, which are increasingly among the growth markets of the future. Small caps also play a key role for me, as they often have the potential to grow faster and offer opportunities that are often overlooked by the large institutions.

Cryptocurrencies (€100/month in Bitcoin ( $BTC (-0,5%) ) €50/month in Ethereum ($ETH) (-0,34%)

I also invest in Bitcoin and Ethereum as I am convinced of the future of these digital currencies. Even if the volatility is high, I see the long-term potential of these technologies. For me, it is an opportunity to participate in the development of a new financial world.

Gold (50 €/month EUWAX Gold ($DE000EWG0LD1 (-0,32%) )

In uncertain times, I have realized how important it is to have conservative assets such as gold. The last few years of inflation and economic fluctuations have made me realize that gold can have a stabilizing effect, especially in times of crisis.

Individual stocks - My dividend strategy

I have also selected a few individual stocks that should not only offer me security, but also regular income through dividends. The reason for this is simple: I need something tangible, something visible. It's not just the pleasure of seeing the portfolio grow, but also the dividend that gives me the feeling of actively participating in the companies and benefiting from their success.

- 3M Co ($MMM (-8,14%) )

- Allianz ($ALV (-8,43%) )

- BioNTech ($BNTX (-3,55%) )

- Booking Holdings( $BKNG (-2,79%) )

- Coca-Cola ($KO (-3,58%) )

- LVMH ($MC (-4,14%) )

- MSCI Inc ($MSCI (-6,26%) )

- NextEra Energy($NEE (-5,91%) )

- Philip Morris ($PM (-5,99%) )

- Realty Income($O (-2,42%) )

BioNTech in particular, as a company that has promising potential not only during the pandemic but also beyond, is a long-term winner for me. Likewise NextEra Energy, which plays a key role in the renewable energy sector, and Booking Holdings, which should benefit from the global tourism trend. These companies not only pay dividends, but also show that you can benefit from a company's success with a long-term perspective.

Pension fund

I also invest in the DEVK pension fund (DE000A2PT1X3) through my employer $DE000A2PT1X3 . This fund is particularly important to me because of the generous contributions made by my employer and the solid returns. Even though the costs are somewhat higher, I see it as a long-term addition to my strategy.

Why this portfolio?

I built my portfolio this way because I believe in the potential of long-term global diversification. Rather than chasing short-term gains, I am looking for continuous value growth over many years. I want to support the right companies, benefit from promising markets and at the same time have a regular source of income through dividends.

I am no longer interested in making a quick buck. I have learned that true success in wealth accumulation lies in patience. And that's what it's all about: I want to create a solid foundation for the future - for myself, for my pension and perhaps for a house in a few years' time.

What do you think?

I'm really looking forward to hearing from you. What do you think of my strategy? Do you see any areas where I could diversify even more? Are there any asset classes or ETFs missing from my portfolio that would make sense for me? I am very keen to hear your opinions and advice.

Thank you for taking the time to read my story and strategy! I look forward to your feedback.

Best regards,

Antonio

≈ 15% of the equity portion of the total portfolio

$CSPX (-5,42%)
$SPY (-5,34%)
$CSNDX (-5,5%)
$IWDA (-5,63%)
$ISAC (-4,53%)
$WSML (-4,27%)

found an interesting comparison, I wonder if that's the case ? 🧐🤔

I don't think so, what do you think?

Otherwise it could get pretty uncomfortable 😬

Hello,

In my securities account I have in addition to my $ISAC (-4,53%) a small cap ETF $WSML (-4,27%) in my portfolio.

As I am now reviewing my investments again, I am faced with the decision to sell the small cap position.

In the end, it has yielded less than I thought or than the ACWI.

So that I don't just have one year for comparison, I have also compared the performance again using the FF ETF comparison and the ACWI is clearly outperforming the small caps.

My current plan is probably a complete reallocation of the SC into the ACWI.

Are there any big small cap enthusiasts among you? Who can tell me why I should perhaps keep the small caps ETF after all🤓

Dear community,

I have been a member of getquin for almost 2 months now and I am thrilled with how lively the discussions and contributions are. Thanks to everyone who takes the time to research certain topics and share their knowledge.

I would like to take the opportunity to briefly introduce my portfolio and share my thoughts for 2025.

I have been managing my own investments for 10 years now. I started with ETFs and got into cryptos in 2017 (and got out again after the FTX bankruptcy and the Terra Luna crash). And for a few years now I've also been trading shares and now also real assets (I'm currently testing Timeless). Over the years, I have been able to expand my portfolio.

Due to my family responsibilities, my monthly fixed savings rate is currently €500. I also park monthly surpluses in my call money account and invest them when I see an opportunity. I need a certain amount of cash as we are still renovating and therefore simply need some cash...

My goal is to have at least €500,000 in 10 years so that I can pay off the existing loans on our house. So I would need to generate an annual return of 15%...

Over time, I've built up quite a mix of shares. My credo so far has been not to invest more than €1000 per share (although there have been exceptions) and a stop-loss at 20% below the purchase price. I haven't decided when the best time to sell is and I still don't know which strategy is best for me. I would therefore describe myself more as a hodler...

Now to my plans for 2025.

- I will change the fixed value per share of €1000 and increase it to €5000.

- The stop loss remains in place.

- Keep savings rates at €500 for the time being.

- Reduce the number of shares

- Focus on growth

What could a savings plan look like that I would continue for the next few years?

One point that bothers me is the high proportion of US equities in the global ETFs (cluster risk) - even though this is where most returns have been made historically...

Hence my consideration:

- Save in an ETF with a lower or no USA share (I currently have the following in my portfolio $GERD (-4,63%) where the USA share is only 50% - unfortunately quite expensive with TER 0.5%; or a new start with a $EXUS (-5,25%) ) (share: 40%)

- Saving $MEUD (-5,66%) (20 %), $FLXI (-2,8%) (20%), $WSML (-4,27%) (20%)

- S&P500 or MSCI USA via the 2xSPYTIPS of @Epi (via single payments)

- In addition $BTC (-0,5%) Savings plan of 40€ / week from existing USDC holdings (LTC sales from December) Note: Crypto portfolio cannot be fully mapped in Getquin as the EARN Binance Wallet is not displayed.

What do you think? Does that make sense?

As a next step, am I considering divesting from stocks?

From $OBDC (-6,78%) I would probably divest myself, possibly also $CSCO (-3,89%) . Can you think of any other shares or ETFs that would make sense to sell due to low growth prospects? I would then invest the free money in 3xGtaaa and shares like $ASML (-2,09%) , $NVDA (-7,25%) ...

Overall, I'm still not sure whether my strategy is quite right. Do you have any ideas, suggestions or comments? I would be grateful for any advice.

Thank you and best regards

Hello dear community,

Recently my portfolio and its logic was presented in an article by Business Insider and analyzed by Konrad Kleinfeld from SPDR. There was some exciting feedback, but of course I would also like to activate your swarm intelligence and get your feedback 🙂

First of all: Although I am pursuing a core-satellite strategy, the "satellite" does not aim to outperform, but is simply for fun and offers room for investments that do not fit into the logic of the core. The satellite consists largely of ETFs (e.g. in commodities, real estate, private equity, REITs, etc.), but only accounts for <10% of the overall portfolio and is not included here.

My goal is broad diversification that goes beyond a pure market capitalization-based index as well as long-term returns.

In doing so, I rely on a rule-based approach and diversify along factors based on the selection criteria of the indices. As I deliberately do not want to make any sector or regional bets in the "core", but instead focus purely on the selection criteria of the indices, the relatively significant dividend block serves to reduce the US lump, as high-dividend companies are more frequently found in Europe.

Since the portfolio is quite granular, the portfolio overview function would be very confusing, so I hope it is easy to understand in text form:

1. MSCI World Block (40%):

$SPPW (-5,33%) MSCI World (10%)

$XDEM (-5,44%) MSCI World Momentum (10%)

$XDEQ (-3,84%) MSCI World Quality (10%)

$XDEV (-5,26%) MSCI World Value (5%)

$WSML (-4,27%) MSCI World Small Cap (5%)

Momentum, Quality and Size in the sense of the "normal", market-capitalized MSCI World are weighted slightly higher, as they have historically performed better and should logically perform better in a long-term positive market environment.

2. emerging markets block (20%):

$SPYM (-4,94%) MSCI Emerging Markets (6.67%)

$SPYX (-4,53%) MSCI Emerging Markets Small Cap (6.67%)

$5MVL (-4,84%) MSCI Emerging Markets Value (6.67%)

⚠ There are currently no ETFs on the MSCI EM Quality and MSCI EM Momentum indices that are available in UCITS form and tradable in Europe. Therefore, the logic of the EM block does not yet exactly reflect the structure of the World block. As soon as these ETFs are available, the block will be adjusted accordingly. Consequently, the "normal" MSCI EM as well as the value factor and small caps are currently equally weighted here.

3rd Dividend block (30%):

$VHYL (-4,8%) FTSE All-World High Dividend Yield (5%)

$TDIV (-4,93%) Developed Markets Dividend Leaders (10%)

$ISPA (-4,61%) Global Select Dividend 100 (10%)

$ZPRG (-3,59%) S&P Global Dividend Aristocrats (5%)

As mentioned, this block serves 1) to reduce the US lump, is also distributing and thus provides cash flow, which 2) is used for rebalancing at the end of the year (so I don't have to spend any additional capital on this, which has a psychological effect for me) and 3) the monthly distributions motivate me to continue investing intensively. In addition, 4) the tax-free allowance is utilized without having to actively sell shares in the other "blocks". The top 10 holdings of the individual ETFs differ greatly here despite the common denominator of "high yield". However, the financial sector is a large lump. The weighting here is derived from the high yield and diversification in the sense of complementing the other "blocks" (i.e. little tech and little US).

4. hedge bonds (10%):

$IBCI (-0,11%) Euro Inflation Linked Government Bond (10%)

My equity allocation is (roughly) based on the rule "120 minus age", so 10% is currently left for bonds. The purpose of a bond block in the portfolio is stabilization and further diversification. With shares, I give a company capital, i.e. I become a stakeholder in the company. Corporate bonds have the same logic, because here I am also giving capital to companies. That's why I opted for government bonds in the eurozone. TIPS have performed comparatively well here in the past and the logic of inflation-linked interest rates also appeals to me.

📈 Additional considerations:

1. i deliberately do without the "Low / Min Volatility" factor, as i assume a rising market in the long term and would like to participate more in the positive phases instead of reducing the vola.

2) I don't see overlaps between ETFs as a problem, but rather as a deliberate overweighting of companies that fulfill several criteria at the same time. Of course, many companies currently overlap in the classic MSCI World and the Quality and Momentum variants. However, the selection criteria are different and as soon as a company no longer meets the quality criteria, for example, it automatically drops out of the index and the weighting is reduced without me having to actively do anything about it.

3) I have actively decided not to invest in a multi-factor ETF because I want to have transparent control over the allocation of the individual factors and many of the factor ETFs available combine the selection criteria underlying the individual factors in such a way that the corresponding product would have performed well in the past, which of course represents a hindsight bias and does not necessarily correlate with future performance.

💡 To those of you who have read this far:

First of all, thank you for your time! The portfolio is intended to dynamically reflect a section of the market that could develop positively in a diversified manner based on the different selection criteria of the indices, without taking bets on specific sectors or regions. What do you think of the allocation and the strategy? Do you see any room for improvement or things you would do differently?

Thanks for reading, showing interest and thinking along. 😊

#etfs
#portfolio
#portfoliocheck

As a core investment, the $IWDA (-5,63%) makes perfect sense, no question. Now opinions are divided on other (niche) ETFs and there are some emotional discussions XD ... What about the $WSML (-4,27%) ETF? Does it make sense as a supplement to savings or not? Keyword: Is it better to look for small up-and-coming companies yourself and invest in a targeted manner (time expenditure/benefits)?